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Basics of Visitors Health Insurance

Visitors to the US can purchase visitor medical insurance plans designed specifically for them. Every plan is different, so you cannot compare them solely on cost. Before buying a plan you must research all the benefits and exclusions carefully.

1. Comprehensive plans and Fixed benefit plans: This is a big difference between plans. Comprehensive plans are more expensive than the fixed benefit plans. Comprehensive plans provide coverage up to the policy maximum. For expenses up to the plan limit out of pocket expenses are capped to the deductible and the co insurance. Fixed benefit plans have certain pre set maximum that will be paid for each eligible expense. A policy that offers a total $100,000 benefit may have a limit of $2000 for surgery, $500 for x rays, lab work etc.

2. Co insurance: It defines the split of expenses between the insurance company and the insured. If the percentage the insured person pays is higher, the plan premium is lower. For example if the plan has a 70/30 co insurance rate, the insured pays 30% of the eligible expenses and 70% is paid by the insurance company. There can sometimes be a cap on the co-insurance. Beyond that amount eligible expenses can be covered 100%.

3. Deductible: Visitor insurance plans can have deductibles from $0 to above $2500. Al l expenses incurred up to the deductible amount chosen must be paid by the insured before any payment is made by the insurance company. Plans with high deductibles are often cheaper than those with low deductibles.

4. Pre existing conditions: While coverage is usually not available for pre existing conditions, it is still prudent to find out how pre existing conditions are defined by the insurance company. Some plans will exclude coverage only for those conditions that the insured knew about and was receiving treatment before the start date of the insurance. Some others may exclude all those conditions that may have begun before the start of the plan even if the person had no knowledge of the condition.

5. Coverage Limit: Plans have limits on the maximum amount they will cover for medical expenses. The limit can be for each sickness or injury or for the entire plan period. Compare plans with similar plan limits.

You can get more tips and advice on selecting the right plan from your visitor medical insurance agent. Plans with the same level of benefits can be compared for price. Do not choose a plan only based on its price.

Article Source: http://www.articlemap.com

About the Author: Suchi V is a travel insurance professional. She frequently writes about visitor health insurance and provides free tips on visitors insurance.

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